BlastPoint's Credit Union Scorecard
F A B CHURCH
Charter #9527 · GA
F A B CHURCH has 7 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 6.6% YoY
- + Net Charge-Off Rate: Top 0.3% in tier
- + Asset Growth Rate: Top 0.7% in tier
- + Deposit Growth Rate: Top 0.7% in tier
- + Loan Growth Rate: Top 2.3% in tier
- + AMR Growth Rate: Top 3.4% in tier
- + Member Growth Rate: Top 5.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.72% below tier average
- - Delinquency rate 12.45% above tier average
- - Members Per Employee (MPE): Bottom 0.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.1% in tier
- - Total Delinquency Rate (60+ days): Bottom 1.3% in tier
- - Total Loans: Bottom 1.4% in tier
- - Loan-to-Share Ratio: Bottom 1.4% in tier
- - Average Member Relationship (AMR): Bottom 1.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 41 that size in Georgia.
- Shares and deposits +26.8% year over year ($409K in shares and deposits).
- Membership: 274 members, +6.6% vs a year ago.
- Delinquency rate 13.99%.
- Return on assets 0.77%.
- Efficiency ratio 82.84% vs a 88.77% peer average.
- Loan-to-share ratio 6.40% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
274
+6.6% YoY+0.4% QoQ
|
-2.3K |
2,585
-1.7% YoY
|
32,666
+7.6% YoY
|
34,678
+6.6% YoY
|
Bottom 7.1% in tier |
| Assets |
$488,395
+23.1% YoY+9.4% QoQ
|
$-29.8M |
$30.3M
+1.5% YoY
|
$529.0M
+8.4% YoY
|
$593.1M
+10.2% YoY
|
Bottom 2.9% in tier |
| Loans |
$26,181
+25.6% YoY-3.1% QoQ
|
$-15.4M |
$15.5M
-1.7% YoY
|
$366.4M
+11.0% YoY
|
$418.6M
+10.1% YoY
|
Bottom 1.3% in tier |
| Deposits |
$409,234
+26.8% YoY+10.4% QoQ
|
$-25.4M |
$25.8M
+1.1% YoY
|
$453.8M
+8.0% YoY
|
$504.8M
+10.3% YoY
|
Bottom 3.2% in tier |
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| ROA |
0.8%
+11.8% YoY+32.5% QoQ
|
-0.7% |
1.5%
+241.5% YoY
|
1.1%
+36.8% YoY
|
1.2%
+121.4% YoY
|
48% |
| NIM |
3.8%
-4.7% YoY-8.2% QoQ
|
-0.1% |
3.9%
+0.9% YoY
|
4.1%
-0.3% YoY
|
3.8%
+2.3% YoY
|
47% |
| Efficiency Ratio |
82.8%
-13.1% YoY-9.4% QoQ
|
-5.9% |
88.8%
-6.9% YoY
|
78.8%
-0.4% YoY
|
83.0%
-5.3% YoY
|
56% |
| Delinquency Rate |
14.0%
+551.2% YoY
|
+12.4 |
1.5%
+2.1% YoY
|
1.5%
+41.3% YoY
|
1.3%
+2.6% YoY
|
Bottom 1.3% in tier |
| Loan To Share |
6.4%
-0.9% YoY-12.2% QoQ
|
-52.5% |
58.9%
-3.1% YoY
|
70.2%
-1.6% YoY
|
66.4%
-1.4% YoY
|
Bottom 1.3% in tier |
| AMR |
$1,589
+18.8% YoY+9.1% QoQ
|
$-13K |
$14,963
-6.8% YoY
|
$17,498
+1.4% YoY
|
$20,028
-0.9% YoY
|
Bottom 1.7% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 20.2% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 4.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)